Completely inexperienced tellers gossiping about your personal life and checking your bank account just to nose into your life!!! And this bank has insufficient funds so any transfer in your bank may actually cause their confusion because they are using your money for whatever risky investment they have and this bank was robbed before (feel free to Google it). You just don't feel you have any safety with them. You don't know if this bank is going through financial difficulties or will be bankrupt overnight, but they are just not the one you know that will stand there after a storm.
My mom had so charges on her account that she did not authorize. The lady at the bank spent over an hour helping her straighten this out Because of the customer service they gave my mom, I opened an account there. They are the most helpful bank that I have even been associated with.
If you are looking for a construction loan bypass this bank. They owe you no duty to protect you. Everything they do is for the use and benefit of the bank and not for the benefit or protection of the borrower. Check my blog at tarider1.blogspot.com